Facebooks New Privacy Settings, The Government Gets To See Everything

As if you didn’t know that using Facebook could be damaging in many ways including stalkers and employers, there is an even bigger threat looming…The Government. As detailed in this article from USA Today, the Government is reaching its dirty little hands into one more area of our lives, Facebook.  Asking Facebook to turn over access to users information in an unprecedented and alarming way.  If this doesn’t signal the outright desire of the Government to encroach and stomp out every one of our freedoms given by the Constitution, I don’t know what does. Understand, that each and every little encroachment by the Government into our lives leads to a very unpleasant outcome.  Remember, every journey starts with the first step, and in this case the journey includes prying into every aspect of your life.  Big Brother is truly watching....

Read More

Home Buying Tips

Buying a home should be one of the most joyous events, but there are a number of things to consider to make sure you are on the right path.   Here is a list of the top tips for first-time home buyers from the Wall Street Journal: Pay off your debt; Know how much you can afford; What are the different types of loans; Repair your credit; and Line up your down-payment, or get assistance. Click here to read their full article full of good information and tips on making that first home become a reality. Of course, our attorneys and professionals would love to assist you with one of their top tips, credit repair. 🙂 Learn more about our credit repair services...

Read More

Being Smart = Being Poor???

Does greater financial education lead to actually being poorer?  The silly answer, may actually be yes. According to an article from The Motley Fool, there is empirical evidence that suggests that the answer is actually yes. “For some consumers, financial education appears to increase confidence without improving ability, leading to worse decisions.” There may be several reasons that may explain this silly answer including poor education, the lag between the emergence of new financial models and products and the education of consumers, and my favorite, the hubris of the consumer.  In this case, it is argued that over-confidence may be the greatest factor.  Maybe there is a reason for the saying that “A little knowledge is dangerous.” To read more on why being smart may actually make you more poor check out their full article....

Read More

I’ll be in my new home for Christmas…

  Is now a good time to purchase your dream home?  Well the answer is a resounding yes, if you have the resources to do so. The real estate market continues to provide significant opportunities to first time home-owners and upgraders alike.  However, you need to ensure that you meet some basic requirements before taking the plunge. As this article from CNNMoney.com addresses, the time is definitely right. Purchasing a home in the current market is almost certainly going to bring you handsome dividends in the long term.  The days of the 6 month flip may be over, but because home prices have dropped to a more reasonable level, it is probable that normal market factors will provide for a steady increase over a traditional time frame (think 7-10 years). Additionally, when considering purchasing a home you need to have your ducks in a row.  Do you have enough to put down 20%, and if not is there a government backed program to help with lowering this requirement?  Do you have a stable income?  With the current credit crunch and the state of the job market this is one of the key hurdles that both lenders and borrowers are playing close attention to.  A two year history of stable employment should do the trick in most circumstances. Are you credit worthy?  Perhaps the biggest obstacle is whether you have a high enough credit score to support the loan decision.  If you have had some financial difficulties over the last couple of years, then it is likely time you look at your credit report and see if there are issues on there that need to be resolved before trying to obtain that loan.  If you do have poor credit, please read more of our site and how our team of attorneys and professionals might can help with your credit...

Read More

ATM’s steal 25% of YOUR cash, fight back.

With all of the new credit card legislation, continuing economic mess and foreclosure nightmare, banks have been looking to make up for all those lost profits.  What better way to make it up than to charge your current customers even more for simply taking their own money out of the bank.  That’s right we all know and love those cute little fees you get hit with when taking money out of the ATM…NOT!   In many cases the fees can be as much as $5 or more for taking money out of your own account regardless of the amount taken out. Let’s break that down.  If I want to go to the movies and need to take out $20 from the ATM, the bank is going to hit me with fees of $5.  That is a 25% fee for simply having access to my own money – that is simply outrageous, Don Corleone from the Godfather doesn’t even charge that much. Essentially, the bank is charging you interest for using your own money, and is more akin to using a credit card.  To make matters worse, many banks even charge you a fee to go into the bank itself and talk with a human being.  Damn it the banks are going to get their piece of your money whether you like it or not. The solution, find a bank that doesn’t charge these fees and keep your money for you.  The banks don’t deserve 25% of YOUR cash just for the privilege of giving it to you through a machine. This article from CNN lists a number of banks and financial institutions that don’t steal your money. Our recommendation, if you are getting hit with outrageous fees for access to your money change banks today!...

Read More

Finally the conspiracy has been proven.

It turns out the credit card companies have taken a page from the drug dealer playbook, and it’s time to call them on it.   If you’ve walked the sacred grounds of any college campus within the last 20 years you have seen the inevitable row of tents with barkers giving away free t-shirts, frisbees, duffel bags and myriad other trinkets to lure you in.  Do they want you to see the sideshow freaks at the carnival, no way, they want to get you to sign up for their low fee, low rate credit card. They tease you with the promise of easy money, the ability to go ahead and buy that pair of shoes even though you don’t have a job or real source of income.  Ahhh! that first high, they look great, and it was so easy.  But this is the game plan, get em young, get em hooked and you’ve got a customer for life. In recent years this dangerous game that the credit card companies have been playing have been brought out into the open, and multiple rounds of legislation have been passed to crack down on these unethical practices, but, those very smart, very greedy companies have continuously found a way to beat the system.  And if they can’t beat the system, so what, they continue doing it anyway. But did you know it wasn’t just the credit card company that was being just a tad shady, the school’s themselves have been just as greedy and just as shady. Check out this quote from a recent article from Dave Ramsey, “Many schools are still aligned with credit card companies, and these companies can still pay colleges to receive access to students.”  If that doesn’t make you take pause, read the full article here.  ...

Read More
Privacy Policy | Terms of Use | Legal Disclaimer | Contact Us | Client Login | Get Started | Security | Blog


The testimonials and results provided, although exciting, are provided for illustrative purposes only and are not typical, your results will vary. We promise only to perform the work agreed to in the terms and conditions of our retainer agreement with you, the client, and to charge each month only for work already completely performed. As with any legal services, no specific outcome is promised or guaranteed. The services of YourCreditAttorney.com, backed by Centurion Law Firm may not be available in all states. No guarantee of, nor representation that YOUR credit score will increase is made by these illustrative past results, your credit can only be improved in accordance with federal laws requiring the information on your credit report not be inaccurate, unverifiable nor misleading. YOUR RESULTS WILL VARY.

* Our low monthly retainer of $29 per month is charged in accordance with all applicable laws for all services performed in the preceding month. Upon retaining our services there is an industry low one time file intake fee of, for a VERY LIMITED TIME ONLY - $29, which covers the costs associated with providing access to setting up your files in our systems and providing access to our exclusive Client Central area containing educational material regarding your credit and credit matters.

Copyright 2014 - YourCreditAttorney.com.